Best Pet Insurance Companies in El Paso, TX
After thorough research, I believe Spot offers the best pet insurance in El Paso.
We’ve saved shoppers an average of $350 per year on their pet insurance.
El Paso, a city beloved by West Texans, shares a deep affection for their furry companions. With a plethora of beaches, dog parks, and pet-friendly spots, pet owners in El Paso can revel in year-round enjoyment with their four-legged friends.
Part of responsible pet ownership includes seeking the best pet insurance companies in El Paso. In this article, we aim to assist you in this quest. After carefully evaluating numerous providers, we have curated a narrowed-down list, with Spot emerging as the top pet insurance company in El Paso.
Our primary objective is to ensure that you possess the appropriate coverage when the need arises, all while maintaining an affordable price. This way, your pet can receive the necessary care when they fall ill or suffer an injury, without straining your savings in the process.
Continue reading to discover and locate a pet insurer in El Paso that perfectly caters to your family’s requirements.
Best Pet Insurance Companies In El Paso, TX 2025
Compare The Best Pet Insurance Companies In El Paso, TX
| Waiting Period | Best For | Overall Rating | Use Any Vet | Reimbursement Option | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade |
14 days |
Affordability |
|
Yes |
50% to 90% |
Instant Quote |
| ASPCA |
14 days |
Experience |
|
Yes |
70% to 90% |
Instant Quote |
| Prudent Pet |
14 days |
Basic Coverage |
|
Yes |
70% to 90% |
Instant Quote |
| Healthy Paws |
15 days |
Unlimited Coverage |
|
Yes |
50% to 90% |
Instant Quote |
| Spot |
2 days |
Overall |
|
Yes |
70% to 100% |
Instant Quote |
| Figo |
14 days |
Flexible Reimbursement |
|
Yes |
70% to 100% |
Instant Quote |
| Trupanion |
5 days |
Flexible Deductible |
|
Yes |
90% |
Instant Quote |
Pet Insurance Company Reviews
Best Overall
Key Statistics
Why We Like Them
⇅Spot wins the Best Overall category because they are easy to work with, affordable, and provide excellent coverage.
Compared to their competitors, Spot is really flexible. You only have to wait 2 days to get coverage, and they offer unlimited annual coverage with no restrictions on which vet you can use or the age of your pet. Just like other pet insurance companies, Spot has waiting periods for accidents and illnesses. Their rates may not be the cheapest, but you get great value for the money you spend.
Spot also offers a 30-day money-back guarantee if you haven’t made any claims. During this guarantee period, you can try out Spot’s 24/7 veterinary advice hotline, which is available from day one of your coverage.
Spot provides all the important coverage options you’d expect, like accidents, illnesses, and hereditary conditions. You can choose between accident-only policies or policies that cover both accidents and illnesses.
Spot makes it simple to find a plan that fits your budget and gives your pet the protection they need. Plus, you can stick with the vet you trust because Spot doesn’t restrict your choices.
Benefits & Drawbacks
⇅- No maximum age restriction
- No restrictions on veterinary providers
- 30-day satisfaction guarantee ✓
- 14-day waiting period before coverage begins
- No coverage for preventive care ✘
Best For Affordability
Key Statistics
Why WeLike Them
⇅At just $10 to get started, Lemonade takes the crown for affordability. What’s more, Lemonade shines in its commitment to social responsibility by donating excess earnings to causes approved by its policyholders.
Lemonade Pet Insurance follows the same customer-friendly approach as its sibling services, Lemonade Home Insurance and Lemonade Renters Insurance. They offer pet insurance at a budget-friendly price without compromising on quality. Additionally, if you bundle your pet policy with renter’s or homeowner’s coverage, you’ll enjoy even more savings through their discounts.
When it comes to understanding your policy, Lemonade’s website presents policies that are simpler to grasp compared to many other pet insurance providers.
A standout feature of Lemonade is their user-friendly Insurance app. It enables policyholders to effortlessly submit claims and receive prompt reimbursements directly into their bank accounts. The app also provides the convenience of live chat with medical experts, ensuring you have the answers you need when you need them.
Benefits & Drawbacks
⇅- Donation of unpaid claims to nonprofit organizations
- Optional inclusion of preventive care ✓
- Exclusion of coverage for pre-existing conditions
- Relatively new in the industry ✘
Best For Experience
Key Statistics
Why We Like Them
⇅ASPCA’s pet insurance is administered by C&F Insurance Agency, which has been around since 1997. The insurance policies are backed by the United States Fire Insurance Company, known for its strong financial strength and claims-paying abilities.
ASPCA Pet Insurance offers a range of plans, including coverage for accidents and illnesses or accidents only.
Their leading plan, Complete Coverage®, comes with annual benefit limits that can be as low as $5,000 or as high as unlimited. The best part is, there are no specific limits for individual conditions, and eligible congenital and hereditary conditions are also covered.
ASPCA also gives you the option of Accident-Only coverage and additional Preventative Care Coverage, which you can choose for an extra fee.
Just like other pet insurers, ASPCA’s plans do not cover pre-existing conditions that existed or showed symptoms before the policy became effective or during the waiting period.
However, if your pet remains symptom-free, untreated, and cured for a continuous period of 180 days, the condition will no longer be considered pre-existing, except for knee and ligament conditions. Keep in mind that if a knee or ligament condition occurs before the coverage becomes effective or during the waiting period, any future claims related to that condition won’t be covered.
Benefits & Drawbacks
⇅- Offer of a 30-day money-back guarantee
- Inclusion of microchipping coverage
- Availability of multiple pet discount ✓
- Rates higher compared to many competitors
- Annual coverage limit capped at $10,000
- Additional fee for monthly payment instead of annual payment ✘
Best For Unlimited Coverage
Key Statistics
Why We Like Them
⇅Healthy Paws stands out for its simplicity, offering one comprehensive pet health insurance plan and an accident and illness insurance policy. This straightforward approach ensures clarity for pet owners seeking coverage. With Healthy Paws, your pet is protected against a wide range of conditions, from cancer to genetic ailments, alternative therapies, emergency care, injuries, and more.
What sets Healthy Paws apart is their commitment to unlimited payouts. Unlike many competitors, there are no maximum limits on reimbursement for specific incidents, yearly claims, or your pet’s lifetime. You can have peace of mind knowing that your pet’s medical expenses will be fully covered without any financial restrictions.
Moreover, Healthy Paws goes beyond pet care by supporting homeless animals. Their foundation provides financial aid for medical treatments, helping these vulnerable creatures recover and find forever homes. By choosing Healthy Paws, you contribute to their meaningful cause.
It’s important to note that routine veterinary care is not included in their plan, as they do not offer a wellness add-on. However, if you prioritize coverage for accidents and illnesses, Healthy Paws is an excellent choice.
Consider your pet’s age, as registration must be done before their 14th birthday. This aligns with common age thresholds among reputable insurance providers and affects the reimbursement level you receive.
Benefits & Drawbacks
⇅- Backed by Chubb with an A+ rating
- Unlimited maximum payouts
- Convenient mobile app for claim submission ✓
- Absence of multi-pet discounts
- No inclusion of wellness plans
- Imposition of a $25 fee for new customers ✘
Best For Flexible Deductible
Key Statistics
Why We Like Them
⇅Trupanion takes a unique approach compared to other pet insurers. Instead of an annual deductible, they offer per-condition deductibles. Once you meet the deductible for a specific condition, your pet’s treatments for that condition will be covered for life.
What sets Trupanion apart are its consumer-friendly features that not all insurers provide. If you’re uncertain about expensive treatments and their coverage, you can seek preapproval from Trupanion at any time, ensuring peace of mind.
With Trupanion, you won’t experience automatic premium increases simply because your pet grows older. Instead, premiums may occasionally change to reflect the average cost of veterinary care for pets similar to yours in El Paso.
Choose Trupanion for its innovative approach to deductibles, convenient preapproval process, and fair pricing that reflects local veterinary costs. Your pet’s health and well-being will be in reliable hands with Trupanion’s trusted coverage.
Benefits & Drawbacks
⇅- Offers unlimited annual and lifetime coverage for all pets
- Premiums remain stable as your pet ages
- Per-condition deductibles provide cost savings for chronic illnesses ✓
- Additional cost for coverage of rehabilitation expenses
- Does not cover exam fees ✘
Best For Basic Coverage
Key Statistics
Why We Like Them
⇅Prudent Pet takes the hassle out of finding a suitable policy for older pets by eliminating exclusions and complex eligibility requirements. They offer open eligibility to dogs and cats of all ages and breeds, with no in-network restrictions and unlimited annual payouts.
We highly recommend Prudent Pet insurance, especially for owners of older pets and breeds prone to hereditary or congenital conditions.
While Prudent Pet warmly welcomes pets of any age, keep in mind that age does play a role in determining your monthly premium. Insurance for older animals tends to be pricier due to their increased vulnerability to injury or illness, making them more likely to require coverage in their later years.
Additionally, Prudent Pet is committed to supporting the military community. Active-duty service members, retirees, and veterans can learn more about the additional discounts available to them.
Choose Prudent Pet for a straightforward and inclusive approach to pet insurance, ensuring that your furry family members receive the coverage they deserve, regardless of their age or breed.
Benefits & Drawbacks
⇅- No restrictions based on age or breed
- 30-day money-back guarantee
- Reimbursement for lost pet rewards ✓
- Absence of a mobile app
- Premiums higher than the average ✘
Best For Flexible Reimbursement
Key Statistics
Why We Like Them
⇅Figo stands out for its exceptional coverage at an affordable price. Unlike many high-level plans that require costly add-ons, Figo’s standard plan covers those items as part of its comprehensive offering.
What sets Figo apart is its 100% reimbursement option, which is available at its highest premium rate. This generous feature ensures that pet owners can receive full reimbursement for eligible expenses.
In addition to unlimited coverage, Figo provides pet owners with the option to enhance their plan with one of three “PowerUps”: Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. These add-ons offer additional benefits tailored to your pet’s specific needs.
Figo offers three plan levels, each providing substantial coverage compared to most other companies, all at a competitive price point.
With Figo’s least expensive plan, you can expect coverage for normal accidents and illnesses, prescriptions, hip dysplasia, alternative treatments, prosthetics, mobility devices, and even treatment for behavioral problems.
One notable advantage of Figo is that it imposes no exclusions for hereditary or congenital conditions, nor pre-existing conditions as long as they have been cured for at least 12 months.
Benefits & Drawbacks
⇅- No upper age limit for pets
- Option for 100% reimbursement
- Availability of unlimited annual coverage ✓
- Premiums higher compared to several carriers
- Lack of accident-only plan option ✘
How To Find The Best Pet Insurance Company For You
When it comes to buying pet insurance, the process is similar to getting health insurance for yourself and your family. Let’s break it down into six simple steps:
1. Research Insurance Providers.
Nowadays, you can find pet insurance from specialized pet insurers as well as established national insurers offering a variety of products. Lucky for you, we’ve already done the legwork and narrowed down the best pet insurance companies for you. Visit their websites, explore their coverage options, rates, and take a look at what other pet owners have to say in online reviews.
2. Get Multiple Quotes.
Prices for pet insurance can vary depending on factors like breed, age, and the insurance company itself. Some insurers may charge double the rates compared to their competitors for insuring pets of the same breed and age. Take a few minutes to get quotes from different insurers to find a price range that suits your budget.
3. Compare Coverage Benefits.
Once you have a shortlist of insurers, compare their coverage options. Certain companies may offer more extensive coverage in specific areas, and these differences can be crucial in your decision-making process. For instance, some insurers cover prescription food, alternative therapies, dental illnesses, and even provide coverage for lost or stolen pets.
4. Choose Your Deductible.
Your deductible is the amount you pay before the insurance company starts covering expenses. Select a deductible that you can comfortably afford. If it’s too high, you might struggle to provide necessary care for your pet. Conversely, if it’s too low, your premium may become unaffordable. Most insurers offer annual deductibles ranging from $100 to $1,000.
5. Select The Reimbursement Rate And Limit.
Reimbursement refers to the amount the insurer will pay you after filing a claim. First, choose the percentage you want to be reimbursed, typically ranging from 50% to 90% (some insurers even offer 100%). Second, decide on a reimbursement limit, which is the maximum amount the insurer will pay annually. Limits can range from $2,000 to unlimited coverage. Remember, lower limits result in more affordable premiums.
6. Enroll With Your Chosen Provider.
Thankfully, most pet insurers offer online enrollment, making the process easy and convenient. Your information will likely be stored from when you received a quote, so all you need to do is select your payment frequency, provide your payment information, and you’re good to go. Keep in mind that paying annually instead of monthly may even earn you a discounted rate.
Average Cost Of Pet Insurance In El Paso, Texas
The price you pay for pet insurance depends on several factors, such as your pet’s age, breed, the type of plan you choose, reimbursement rate, and deductible.
Where you live in the U.S. also plays a role in determining the cost. The expenses associated with pet care can vary significantly from one area to another. As a result, pet insurance premiums in cities like San Francisco or New York City tend to be considerably higher compared to those in places like Houston or El Paso.
Here are some average monthly premiums in South Texas:
| Species/Breed | Average Monthly Premium |
| French bulldog | $86.26 |
| German shepherd | $53.37 |
| Golden retriever | $51.15 |
| Mixed-breed dog | $40.27 |
| American shorthair cat | $27.64 |
| Mixed-breed cat | $20.81 |
*Sample quotes are based on Lemonade accident-and-illness plans for 4-year-old male pets using a $5,000 annual limit, $250 deductible, and 80% reimbursement rate.
How To Get An Online Pet Insurance Quote In El Paso
To get an online quote for pet insurance, simply visit the insurer’s website and provide the requested information, such as:
- Your zip code
- Your pet’s species (dog or cat)
- Breed of your pet
- Age of your pet
- Your preferred deductible amount ($100, $250, $500, $1,000)
- Type of plan you want (accident-only or accident/illness)
- Reimbursement rate you prefer (70%, 80%, 90%)
Once you enter this information, the insurer will display your personalized rates.
If you’re not sure where to start, you can easily find a list of pet insurance providers in El Paso by searching on Google for “pet insurance in El Paso.” This will give you a good selection of insurers that offer coverage for pets in your area.
How To Buy Pet Insurance In El Paso
When it comes to buying pet insurance in El Paso, the process is similar to purchasing other types of insurance online. Just follow these easy steps:
- Visit multiple pet insurance websites: Take your time and explore different insurers. Each company offers unique coverage options and prices may vary. Checking out multiple websites will give you a better understanding of the coverage that suits your needs.
- Customize your policy: Once you’re on an insurer’s website, you’ll be asked to provide some basic information about your pet. You’ll then have the opportunity to customize your policy by choosing between accident-only or accident and illness coverage, selecting a deductible ranging from $100 to $1,000, and deciding on a coverage percentage (typically 70%, 80%, or 90%).
- Get your quote: Based on the coverage options you selected, you’ll receive a quote that matches the needs of your furry family member.
- Complete the application: Most applications will already have the information you entered on your quote request form pre-filled. You’ll only need to finish the remaining sections of the application, which should only take a few minutes.
- Pay your initial premium: Most pet insurance companies offer the convenience of monthly automatic debit from your checking or savings account. Alternatively, you can choose to pay the annual premium in full when submitting your paperwork. Paying annually often comes with a small discount.
Factors That Impact The Cost Of Your Pet Insurance In El Paso
When it comes to pet insurance rates, several factors come into play:
- Age
- Animal type
- Breed
- Coverage type
- Location
Where you live within El Paso matters too. If you reside in a densely populated area with more traffic and potential risks, the rates may be higher due to the increased likelihood of accidents or injuries.
Texas Pet Insurance Laws To Know
In 2022, the pet insurance industry saw an important development with the introduction of the Pet Insurance Model Act by the National Association of Insurance Commissioners. This act brings forth clear rules and disclosure requirements for pet insurance sales.
The primary focus of this law is on ensuring that insurance companies provide full disclosure regarding rates and coverage to potential customers. By doing so, pet owners can make informed decisions about their insurance options.
Information About El Paso
Nestled in western Texas, El Paso offers a captivating blend of natural beauty and cultural richness. Its desert landscapes and mountainous terrain provide outdoor enthusiasts with endless adventures, while historic sites like Magoffin Home and the El Paso Mission Trail showcase its heritage. The Downtown Arts District pulsates with art galleries and theaters, and the Plaza Theatre hosts captivating performances. With warm summers, mild winters, and a population of approximately 682,669 residents, El Paso embodies diversity and charm. Whether exploring nature, immersing in arts, or savoring Tex-Mex cuisine, El Paso warmly embraces visitors with its unique allure.
Pet Insurance Discounts In El Paso
When purchasing pet insurance in El Paso, you’ll find a variety of discounts to help you save:
- Paying your premium annually upfront
- Military discounts
- Bundling policies
- Discounts for insuring multiple pets
- Senior discounts
- Discounts for adopting or training your pet
- Promotions for keeping your pet healthy
- Special discounts for certain professions like veterinarians, first responders, and healthcare professionals.
Keep in mind that not all insurers offer these discounts, so it’s important to compare different providers to find the ones that suit your needs and offer the discounts you’re looking for.
Looking For Pet Insurance In Other Texas Cities?
FAQs
Do all vets take pet insurance in El Paso?
The vast majority of veterinarians in El Paso gladly accept pet insurance. They understand that veterinary costs can be steep, putting pet owners in a tough spot when it comes to affording necessary care. Pet insurance can be the crucial factor that ensures pets receive the medical attention they need instead of going untreated due to financial constraints. Vet clinics in El Paso recognize the value of pet insurance in helping owners provide the best care for their beloved companions.
Is pet insurance worth it in El Paso?
Having pet insurance in El Paso is a smart move. As the 6th largest city in Texas, vet expenses can accumulate just like in any other major city. Veterinary bills can be quite pricey, and pet insurance is there to cover them, ensuring your pet receives the necessary treatment without breaking the bank. It’s a valuable investment that provides peace of mind, knowing that your pet’s medical needs will be taken care of when they arise.
How much is good pet insurance in Texas?
In the Lone Star State of Texas, pet insurance prices can vary between $20 and $90 per month, or even higher in certain situations. The cost of your premium will be determined by factors such as your pet’s age, whether they’re a dog or a cat, the type of coverage you select, and your location within the broader El Paso region.
